The Standard of Materiality for Misrepresentations Under New York Insurance Law ± a State of Unwarranted Confusion
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University of Connecticut OpenCommons@UConn Connecticut Insurance Law Journal School of Law 2011 The Standard of Materiality for Misrepresentations Under New York Insurance Law ± A State of Unwarranted Confusion Andrew Amer Linda H. Martin Follow this and additional works at: https://opencommons.uconn.edu/cilj Recommended Citation Amer, Andrew and Martin, Linda H., "The Standard of Materiality for Misrepresentations Under New York Insurance Law ± A State of Unwarranted Confusion" (2011). Connecticut Insurance Law Journal. 84. https://opencommons.uconn.edu/cilj/84 CONNECTICUT INSURANCE LAW JOURNAL Volume 17, Number 2 Spring 2011 University of Connecticut School of Law Hartford, Connecticut Connecticut Insurance Law Journal (ISSN 1081-9436) is published at least twice a year by the Connecticut Insurance Law Journal Association at the University of Connecticut School of Law. Periodicals postage paid at Hartford, Connecticut. 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ALLEGRO RYAN LORUSSO Administrative Editor Assistant Managing Editor MICHAEL YEDINAK WILLIAM MAUKE Lead Articles Editors Notes & Comments Editors Executive Editors OLIVER BOWERS SHANIQUE FENLATOR DAN CZUKA JOHN NEUMON CRYSTAL FRASER T. RYAN MCNEIL JONATHAN HARDING JONATHAN PORZUC GREGORY RADA STEVEN ZAKRZEWSKI Legal Abstracts Editor Research Editor Associate Editors JAMES MOHER RAPHAEL DEUTSCH NATHANIEL GENTILE K. RUSSELL HASAN SHETERA PATERSON Symposium Editor Technology Editor SANA SHEIKH KENNEX CHAN KENSLEY R. BARRETT ZHIJUN ZHANG MEMBERS JESSICA AURELIEN MICHAEL BARRESE MATTHEW BERNARD LESLEY CHUANG CRAIG COOPER DOUG DALENA BETHANY DIMARZIO ANDREA DIPAOLO TIMOTHY GOODWIN WYATT JANSEN RONALD X. JOHNSON MARTIN KRAEGEL MARK LAVELLE CAITLIN LOFTUS RUBAIYAT MAHBOOB SUSAN MASTERS KEEGAN MCCLURE RYAN MCLAUGHLIN TAYLOR MEEHAN WALTER MENJIVAR DONNY O'DAY BRENDAN OWENS GEOFF PERKINS BRIAN R. SMITH COLLEEN VELLTURO CAITLIN HOLT FACULTY ADVISOR PATRICIA MCCOY UNIVERSITY OF CONNECTICUT SCH OOL OF L AW FACULTY AND OFFICERS OF ADMINISTRATION FOR THE ACADEMIC YEAR 2010-2011 OFFICERS OF ADMINISTRATION Philip E. Austin, Ph.D., President, University of Connecticut Peter J. Nicholls, Ph.D., Provost and Executive Vice President for Academic Affairs Jeremy Paul, J.D., Dean, School of Law Darcy Kirk, J.D., Associate Dean for Library and Technology Willajeanne F. McLean, J.D., Associate Dean for Academic Affairs Ellen K. Rutt, J.D., Associate Dean for Enrollment Management and Strategic Planning Susan Schmeiser, J.D., Associate Dean for Student Life Steven Wilf, J.D., Associate Dean for Research and Faculty Development Ann Crawford, M.Ed., Assistant Dean for Finance and Administration Karen L. Demeola, J.D., Assistant Dean for Admissions and Student Finance FACULTY EMERITI Robert L. Bard, B.A., M.A., LL.B., J.S.D., Professor of Law, Emeritus Phillip I. Blumberg, A.B., J.D., LL.D. (Hon.), Dean and Professor of Law and Business, Emeritus John C. Brittain, B.A., J.D., Professor of Law, Emeritus Clifford Davis, S.B., LL.B., Professor of Law, Emeritus Nell J. Newton, B.A., J.D., Dean and Professor of Law, Emerita Howard Sacks, A.B., LL.B., Dean and Professor of Law, Emeritus George Schatzki, A.B., LL.B., LL.M., Dean and Professor of Law, Emeritus Craig Shea, A.B., LL.B., LL.M., Professor of Law, Emeritus Phillip Shuchman, B.A., M.A., LL.B., Professor of Law, Emeritus Eileen Silverstein, A.D., J.D., Professor of Law Emerita Lester B. Snyder, B.S., LL.B., LL.M., Professor of Law, Emeritus Terry Tondro, A.B., LL.B., M.Phil., Professor of Law, Emeritus Nicholas Wolfson, A.B., J.D., George and Helen England Professor of Law, Emeritus FACULTY OF LAW Jill Anderson, B.A., University of Washington; J.D., Columbia University; William T. Golden Scholar Associate Professor of Law Paul Bader, B.A., Duke University; J.D., Mercer University Walter F. George School of Law; Assistant Clinical Professor of Law Robin D. Barnes, B.A., J.D., State University of New York at Buffalo; LL.M., University of Wisconsin; Professor of Law Jon Bauer, A.B., Cornell University; J.D., Yale University; Clinical Professor of Law Loftus E. Becker, Jr., A.B., Harvard College; LL.B., University of Pennsylvania; Professor of Law Bethany Berger, B.A., Wesleyan University; J.D., Yale University; Professor of Law Robert Birmingham, A.B., J.D., Ph.D. (Econ.), Ph.D. (Phil.), University of Pittsburgh; LL.M., Harvard University; Professor of Law William Breetz, B.A., Dartmouth College; LL.B., University of Virginia; Executive Director, Connecticut Urban Legal Initiative, Inc. Sara Bronin, B.A., University of Texas; M.Sc., University of Oxford (Magdalen College); J.D., Yale University; Associate Professor of Law Deborah A. Calloway, B.A., Middlebury College; J.D., Georgetown University; Professor of Law Marcia Canavan, B.A., University of California, Los Angeles; MPH., University of California, Los Angeles; J.D., Golden Gate University School of Law and University of Colorado School of Law; Assistant Clinical Professor of Law Paul Chill, B.A., Wesleyan University; J.D., University of Connecticut; Clinical Professor of Law John J. Chung, B.A., Washington University; J.D., Harvard University; Visiting Professor of Law Donna K. Coker, B.S.W., Harding University; M.S.W., University of Arkansas; J.D., Stanford University, Visiting Professor of Law Stephen J. Cribari, B.A., St. Lawrence University; J.C.L., J.D., Catholic University; Visiting Professor of Law Anne C. Dailey, B.A., Yale University; J.D., Harvard University; Evangeline Starr Professor of Law Steven M. Davidoff, B.A., University of Pennsylvania; M.A., London Business School; J.D., Columbia University; Professor of Law Geoffrey Dellenbaugh, A.B., Princeton University; M.A., Stanford University; Ph.D., University of Pittsburgh; J.D., University of Chicago; Associate Clinical Professor of Law Jonathan Elukin, A.B., J.D., Princeton University; M.A., Jewish Theological Seminary of America; Visiting Professor of Law Timothy H. Everett, B.A., M.A., Clark University; J.D., University of Connecticut; Clinical Professor of Law Neal R. Feigenson, B.A. University of Maryland; J.D. Harvard University; Visiting Professor of Law Todd D. Fernow, B.A., Cornell University; J.D., University of Connecticut; Professor of Law and Director, Clinical Programs Richard Michael Fischl, B.A., University of Illinois; J.D., Harvard University; Professor of Law Lynn M. Fountain, B.A., University of Rochester; M.L.S., San Jose State University; J.D., University of Connecticut; Assistant Clinical Professor of Law and Executive Director, Center for Energy and Environmental Law Eric J. Gouvin, B.A., Cornell University; M.P.A., Harvard University; J.D., LL.M., Boston University; Visiting Professor of Law Hillary Greene, B.A., J.D., Yale University, Associate Professor of Law and Director, Intellectual Property Clinic Kaaryn Gustafson, A.B., Harvard University; Ph.D., J.D., University of California, Berkeley; Professor of Law Mark W. Janis, A.B., Princeton University; B.A., M.A., Oxford University; J.D., Harvard University; William F. Starr Professor of Law Richard S. Kay, A.B., Brandeis University; M.A., Yale University; J.D., Harvard University; Wallace Stevens Professor of Law Darcy Kirk, A.B., Vassar College; M.S., M.B.A., Simmons College; J.D., Boston College; Professor of Law and Associate Dean for Library & Technology Peter R. Kochenburger, A.B., Yale University; J.D., Harvard University; Associate Clinical Professor and Director of Graduate Programs Alan M. Kosloff, B.A., University of Connecticut; J.D., Georgetown University; Director of Environmental Practice Clinic Lewis S. Kurlantzick, B.A., Wesleyan University; LL.B., Harvard University; Zephaniah Swift Professor of Law Alexandra Lahav, B.A., Brown University; J.D., Harvard University; Professor of Law Leslie C. Levin, B.S.J., Northwestern University; J.D., Columbia University; Professor of Law Diana L. Leyden, B.A., Union College;